Everyone I know is on the Fair plan the state subsidized insurance program. Which makes people who do defensible space and fire safety work on their property pay the same rates as those who do the bare minimum. It’s socialized fire insurance. Insurance companies hands are tied by regs. I could have a private fully staffed fire engine on my property 24/7 and the insurance companies can’t give me a better rate by law.
Discussion
Oh, I didn’t know about that. What a shit show.
I was only aware that more general home insurance showed signs of issues a year or two back when multiple large insurers dipped completely out of the market, and others raised rates like crazy.